Medicare Supplement Plans in Alabama: 2026 Rates and Enrollment Help
Alabama Plan G and Plan N premiums for your ZIP code, first-time enrollment steps and the rules that decide when you can buy, from an agent licensed in Alabama
Free and no obligation. A licensed agent will send your quote within 24 hours.
Licensed in Alabama and Florida • Free plan comparison • No cost to you
Medicare Supplement Insurance in Alabama
About 441,000 Alabamians use Original Medicare, the coverage a Medicare Supplement (Medigap) plan works with. This guide covers what Alabama residents need before they buy: current premiums for your ZIP code, the enrollment steps for people new to Medicare, how to check that a company and agent are licensed and the rules that decide when you can buy without health questions.
Reviewed by Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Alabama and in Florida since 1994 (NPN 553216).
Last reviewed November 10, 2026. Medicare amounts on this page are checked against CMS figures for 2026, and premium figures come from the company rates listed in the Medicare.gov Medigap policy search.
Alabama Medicare at a Glance
| People with Medicare in Alabama | 1,144,565 (CMS, July 2026) |
|---|---|
| In Original Medicare, where a Medigap plan can be added | 440,686 (38.5%) |
| In Medicare Advantage or other health plans | 703,879 (61.5%) |
| With a stand-alone Part D drug plan | 353,779 |
| Plan G median premium, women 65 | $176 to $189 a month (Medicare.gov, November 2026) |
| Plan G policies listed (Birmingham, age 65) | 26 |
| Free Medicare counseling | State Health Insurance Assistance Program (SHIP), 1-800-243-5463 |
| State insurance consumer line | Alabama Department of Insurance, 1-800-433-3966 |
Enrollment figures come from CMS Medicare Monthly Enrollment data for July 2026, state totals for Alabama.
Estimate Your Monthly Premium
See the range of Medicare Supplement rates for your Florida or Alabama ZIP code. No name, phone or email needed.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
Enrolling in Medicare for the First Time in Alabama
Most people sign up for Medicare and choose a Medigap plan within a few months of turning 65. The order matters, because each step opens the window for the next one.
- Mark your Initial Enrollment Period. It lasts 7 months: the 3 months before the month you turn 65, that month and the 3 months after. If you sign up before your birthday month, Part B starts the month you turn 65. If you sign up later in the window, it starts the next month.
- Enroll in Part A and Part B through Social Security. Apply at ssa.gov or call 1-800-772-1213. If you or your spouse are still working and covered by an employer plan, ask Social Security and the employer how delaying Part B would work before you decide.
- Use your Medigap open enrollment period. It lasts 6 months and starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot refuse to sell you any plan they offer or charge you more because of your health. It happens once, so it is usually the best time to buy.
- Pick a plan letter. Many new enrollees compare Plan G, Plan N and High-Deductible Plan G. Plans C and F are not sold to anyone who became eligible for Medicare on or after January 1, 2020.
- Compare companies for the same plan. Benefits are identical by letter, so the differences are price, rate increases over time and service. The Alabama rates below show how wide the spread can be.
- Add a Part D drug plan. Medigap plans sold today do not cover prescriptions. Join a Part D plan during your Initial Enrollment Period to avoid a late enrollment penalty if you have no other drug coverage that counts.
- Review the policy when it arrives. You have 30 days to look it over. If you return it within that time, you get a full refund.
Under 65 and on Medicare? Alabama does not require companies to sell Medigap plans to people under 65 who have Medicare because of a disability or end-stage renal disease, and companies that do can ask health questions. When you turn 65, you get the same 6-month open enrollment period as everyone else.
Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
2026 Medicare Supplement Rates in Alabama
Alabama rates vary less by location than Florida’s. In the Medicare.gov policy search, most companies charge one price across the state, and a few charge a little more in the Birmingham area. The table shows the median monthly rate for a non-tobacco applicant age 65, with the lowest and highest rates beneath it.
| Area | Plan G, women 65 median, low to high | Plan G, men 65 median | Plan N, women 65 median, low to high | Plan N, men 65 median | High-Deductible G, women 65 median |
|---|---|---|---|---|---|
| Birmingham area ZIP codes starting 350 to 352, sample 35203 | $189 $149 to $565 | $216 | $135 $112 to $382 | $151 | $58 |
| Rest of Alabama Huntsville, Mobile, Montgomery, Tuscaloosa and other areas, sample 36602 | $176 $137 to $531 | $199 | $123 $102 to $360 | $132 | $53 |
For a 65-year-old woman, the median Plan G rate is $189 a month in the Birmingham area and $176 in the rest of the state. The spread between companies is far wider than the spread between places: for identical Plan G benefits, rates run from $137 to $531 a month outside Birmingham.
How Premiums Change With Age
Rates rise with age. These are the rates for women outside the Birmingham area (sample ZIP 36602, Mobile) at different ages.
| Age | Plan G median, low to high | Plan N median, low to high |
|---|---|---|
| 65 | $176 $137 to $531 | $123 $102 to $360 |
| 70 | $191 $142 to $531 | $137 $110 to $360 |
| 75 | $223 $172 to $531 | $165 $131 to $404 |
| 80 | $271 $204 to $531 | $196 $152 to $442 |
| 85 | $342 $236 to $554 | $237 $177 to $442 |
At 85, the median Plan G rate in this sample is about 94% higher than at 65. When you compare companies, ask how each one prices by age and how its rates have changed in recent years, not only what you would pay in the first year.
Source: Medicare.gov Medigap policy search, searched November 10, 2026. Figures are the median, lowest and highest monthly rates listed for each plan, using the standard rate for each company. Household discounts and policy fees are not included, and a quote for your own ZIP code, age and sex can differ.
Use the estimator above with your own ZIP code, or ask us for a side-by-side comparison of the companies that sell in your county.
Where to Buy a Reliable Medicare Supplement Plan in Alabama
Every Plan G pays the same benefits, so a reliable plan comes down to the company behind it and the person who sells it to you. Before you sign, check these points.
- The company and agent are licensed in Alabama. The Alabama Department of Insurance licensing division can confirm a license, or call its consumer line at 1-800-433-3966. An agent who sells Medigap should hold a health or life and health license.
- The policy is guaranteed renewable. Medigap policies sold today cannot be canceled because of your health or claims as long as you pay the premium.
- The rate history is reasonable. Companies can raise rates only for a whole group of policyholders, not for one person because of claims. Ask for each company’s rate changes over the last several years.
- The complaint record is clean. The NAIC Consumer Insurance Search shows complaints filed against a company by state and type of insurance.
- The price fits now and later. Compare the rate at your age today and how it is likely to change, using the age table above as a guide.
You can buy from a company directly, through an agent who represents one company or through an independent agent who compares several. Free, unbiased help is also available from Alabama’s State Health Insurance Assistance Program at 1-800-AGELINE (1-800-243-5463).
MedicareSupplementsOnly.com is owned by a licensed agent who is paid by the insurance companies he represents. Those companies are listed in the disclaimer at the bottom of this page.
Alabama Medicare Supplement Rules
- Open enrollment at 65: 6 months starting the first month you are 65 or older and enrolled in Part B, with no health questions.
- Under 65 with a disability or end-stage renal disease: Alabama does not guarantee access to Medigap before 65. Companies that sell to people under 65 can ask health questions. A full open enrollment period starts when you turn 65.
- Guaranteed issue rights: Federal rules let you buy certain plans without health questions in specific situations, such as losing employer coverage that pays after Medicare or leaving a Medicare Advantage plan you joined at 65 within the first year.
- No yearly switching window: Outside open enrollment and guaranteed issue situations, companies can ask health questions and turn you down, so choose carefully the first time.
- 30-day free look: You can return a new policy within 30 days for a full refund.
- Guaranteed renewable: A company cannot cancel your policy while you pay the premium.
- Plans C and F: Available only to people who were eligible for Medicare before January 1, 2020.
Choosing Between Plan G, Plan N and High-Deductible Plan G
Plan benefits are set by federal law and are the same with every company. In 2026, Plan G leaves you with the $283 Part B deductible. Plan N also leaves the deductible, plus up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission, and it does not pay Part B excess charges. High-Deductible Plan G pays after you meet a $2,950 deductible. All three work with any doctor or hospital in the United States that accepts Medicare, and they cover 80% of emergency care abroad after a $250 deductible, up to a $50,000 lifetime limit.
2026 Medicare Costs a Medigap Plan Can Pay
| Medicare cost | 2026 amount | Plan G | Plan N |
|---|---|---|---|
| Part A hospital deductible | $1,736 per benefit period | Pays | Pays |
| Hospital days 61 to 90 | $434 a day | Pays | Pays |
| Lifetime reserve days | $868 a day | Pays | Pays |
| Skilled nursing days 21 to 100 | $217 a day | Pays | Pays |
| Part B deductible | $283 a year | You pay | You pay |
| Part B coinsurance | 20% | Pays | Pays, except copays up to $20 office and $50 ER |
| Part B excess charges | Up to 15% | Pays | You pay |
The standard Part B premium is $202.90 a month in 2026, and you pay it with any Medigap plan. Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
Medicare Supplement Help Across Alabama
I work with Alabama clients by phone and email anywhere in the state. Most calls come from the larger metro areas, and each has its own local guide with rates, hospitals and Medicare figures for the area:
- Birmingham, including Jefferson, Shelby and St. Clair counties
- Huntsville and the Tennessee Valley, including Madison and Limestone counties
- Mobile and the Gulf Coast, including Mobile and Baldwin counties
- Montgomery and the River Region, including Montgomery, Autauga and Elmore counties
- Tuscaloosa and West Alabama
- Auburn-Opelika and Dothan and the Wiregrass
The estimator above works for any Alabama ZIP code, and you can request a quote or call (239) 633-4392.
Alabama Medicare Supplement FAQs
How much does a Medicare Supplement plan cost in Alabama?
For a non-tobacco 65-year-old woman, the median Plan G rate listed on Medicare.gov is $189 a month in the Birmingham area and $176 in the rest of the state, and Plan N runs about $123 to $135. Rates rise with age and vary by company, sex and tobacco use, so get quotes for your own ZIP code.
I’m turning 65. When should I apply for a Medigap plan?
Apply during your 6-month Medigap open enrollment period, which starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot turn you down or charge more because of your health. Sign up for Part A and Part B first, during your 7-month Initial Enrollment Period.
Where can I buy a reliable Medicare Supplement plan in Alabama?
Buy from a company licensed in Alabama, through an Alabama-licensed agent or directly from the company. Check the company’s rate history and complaint record. Alabama’s State Health Insurance Assistance Program (1-800-243-5463) and the Alabama Department of Insurance consumer line (1-800-433-3966) give free help.
Can I get a Medigap plan in Alabama if I’m under 65?
Possibly, but it is not guaranteed. Alabama does not require companies to sell Medigap plans to people under 65 with Medicare because of a disability or end-stage renal disease, and companies that do can ask health questions. You get a full 6-month open enrollment period when you turn 65.
Can I switch Medicare Supplement plans later in Alabama?
You can apply at any time, but outside open enrollment and guaranteed issue situations companies can ask health questions and decline you, so choose carefully the first time.
Are Plans C and F still available in Alabama?
Only to people who were eligible for Medicare before January 1, 2020. If you became eligible on or after that date, Plan G is the closest option, and it leaves you with only the $283 Part B deductible in 2026.
Does an Alabama Medigap plan work if I travel or get care in another state?
Yes. It works with any doctor or hospital in the United States that accepts Medicare, including hospitals across the line in Florida, Georgia, Mississippi and Tennessee. Plans G and N also cover 80% of emergency care outside the country after a $250 deductible, up to $50,000 in your lifetime. Your premium is based on your Alabama address.
Can a Florida agent help me in Alabama?
Yes, if the agent holds an Alabama license. Chuck Lunsford is licensed in Alabama as a nonresident agent and in Florida (NPN 553216), and works with Alabama clients by phone and email.
Sources
- Centers for Medicare & Medicaid Services. Find a Medigap policy [Medicare.gov policy search]. Searched November 10, 2026.
- Centers for Medicare & Medicaid Services. (2026). Medicare Monthly Enrollment [Data set], July 2026 Alabama state data. Accessed November 10, 2026.
- Alabama Department of Insurance. Medicare Supplement and Senior Health Insurance Information. Accessed November 10, 2026.
- Alabama Department of Senior Services. State Health Insurance Assistance Program (SHIP). Accessed November 10, 2026.
- Centers for Medicare & Medicaid Services. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Medicare.gov.
- Centers for Medicare & Medicaid Services. (2025, November 14). 2026 Medicare Parts A & B Premiums and Deductibles [Fact sheet].
- National Association of Insurance Commissioners. Consumer Insurance Search.
Get Your Free Medicare Supplement Quote Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services
Disclaimer:
Site Ownership and Licensing
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
Insurance product descriptions on this site are provided for informational and marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified tax advisor or attorney regarding your specific situation.
Email and text communications may not be fully secure. Please avoid sending sensitive personal information unless requested through a secure channel.
All trademarks and logos are the property of their respective owners.
Contact Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216